Flood insurance claims in Oneida County, New York

FEMA records 1,069 National Flood Insurance Program claims in Oneida County, New York, since 1978, with $16.2 million paid in total. The year with the most claims was 2011, with 189. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 20.1% of homes in the high-risk flood zone did.

NFIP claims on record1,069

Total paid$16.2 million

Claims with a payment861

Homes with NFIP policy0.6%

High-risk zone homes insured20.1%

Residential policies in force465

Claims by year of loss

NFIP claims by year of loss, Oneida County, New York

Paid on claims by year of loss (building, contents and increased cost of compliance), Oneida County, New York

Named flood events with the most claims

Event (FEMA name)	Claims
Tropical Storm Lee	94
Hurricane Irene	63
Flooding	55
Not a named storm	12
December Nor'easter	4
Tropical Storm Fred	4
Hurricane Gloria	3
Blizzard of 1993	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
13492	459
13323	193
13440	43
13501	43
13502	37
13157	37
13308	31
13413	24
13495	21
13417	19

717 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $13.8 million, contents $2.3 million, increased cost of compliance $15,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,511	304	20.1%
All homes	83,052	465	0.6%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.